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Compare Bank & Credit Union Rates

Best CD rates and certificates

Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.

Term
Location

Top CD rates

Showing 31–45 results in Houston, TX metro

  1. Top Carrot, Carrot Score 92
    Houston Federal Credit UnionFlexible-Term CertificateCD · 60 months · $500 min

    Credit union · 10 branches

    4.20%APY$2,284 over 60 months on $10,000
  2. Members Choice Credit UnionHero Certificate of Deposit Rate BumpCD · 7 months · $500 min

    Credit union · 8 branches

    4.15%APY$240 over 7 months on $10,000intro rate
  3. Justice Federal Credit UnionSpecial 10-Month Share CertificateCD · 10 months · $500 min

    Credit union · 1 branch

    4.15%APY$345 over 10 months on $10,000with conditions
  4. Top Carrot, Carrot Score 95
    Cornerstone Capital BankConsumer 12 Month CDCD · 12 months · $500 min

    Bank · 1 branch

    4.15%APY$415 over 1 year on $10,000
  5. Southern FCUCertificates of DepositCD · 12 months · $1,000 min · 4.15%–4.25% by balance

    Credit union · 1 branch

    4.15%APY$415 over 1 year on $10,000
  6. Top Carrot, Carrot Score 96
    Nizari Credit UnionMomentum Share CertificateCD · 7 months · $1,000 min

    Credit union · 2 branches

    4.15%APY$240 over 7 months on $10,000
  7. Huntington BankFixed Rate Certificate of DepositCD · 5 months · $1,000 min

    Bank · 37 branches

    4.10%APY$169 over 5 months on $10,000intro rate
  8. Energy One Federal Credit UnionShare CertificateCD · 13 months · $500 min

    Credit union · 2 branches

    4.10%APY$445 over 13 months on $10,000intro rate
  9. Top Carrot, Carrot Score 88
    Navy Federal Credit UnionStandard CertificateCD · 18 months · $1,000 min · 4.10%–4.15% by balance

    Credit union · 10 branches

    4.10%APY$621 over 18 months on $10,000
  10. Top Carrot, Carrot Score 87
    UFCUFixed-Rate CertificateCD · 24 months · $1,000 min

    Credit union · 4 branches

    4.10%APY$837 over 24 months on $10,000
  11. Top Carrot, Carrot Score 89
    CommonCents CUCertificatesCD · 12 months · $1,000 min

    Credit union · 1 branch

    4.08%APY$408 over 1 year on $10,000
  12. DuGood Federal Credit UnionCertificateCD · 12 months · $1,000 min · 4.07%–4.18% by balance

    Credit union · 1 branch

    4.07%APY$407 over 1 year on $10,000
  13. Golden Bank180 Days CDCD · 6 months

    Bank · 3 branches

    4.05%APY$200 over 6 months on $10,000
  14. Home BankCertificates of Deposit (CDs)CD · 11 months · $2,500 min

    Bank · 6 branches

    4.05%APY$371 over 11 months on $10,000intro rate
  15. Top Carrot, Carrot Score 88
    Credit Human Federal Credit UnionShare CertificatesCD · 120 months · $500 min

    Credit union · 1 branch

    4.05%APY$4,874 over 120 months on $10,000

Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank

What CDs pay in Houston, TX metro

944 CDs at 107 banks and credit unions · checked Oct 15–22

Typical
3.25%
Top 10% from
4.04%
Banks, typical
2.00%
Credit unions, typical
3.50%

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Houston, TX metro

Top Carrot institutions

Ranked across their CDs, savings, auto loans and credit cards. How scores work

  1. Harris County Federal Credit UnionCredit union · 1 branch
  2. Nizari Credit UnionCredit union · 2 branches
  3. Cornerstone Capital BankBank · 1 branch
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate